Ally Bank

The only words to describe the Company is that they suck. I have been trying to get my registration money from the Oregon DMV For a year. The Oregon's Policy is that Ally has to either fax or call them to cancel my title and registration for the State of Oregon. I have made numerous phone calls, faxed them over requests and I have even wrote to Ally. Even though I wrote a personal check to the Oregon DMV it is there policy where there is a lienholder involved they have to be the ones that call them or fax over a letter cancelling the title and registration. Ally refuses to make a phone call to the Oregon DMV as they said they don't make phone calls and as far as writing a letter they told me that they don't have a form to cancel my title or registration. You can bet that is you or I owed Ally money they would be after us in a heartbeat. I purchased my vehicle in June of 2021 Ally couldn't even send the correct paperwork to me so that I could forward it to the Oregon DMV. I believe one of the forms they send me to fill out was like 12 years out of date. I finally got disgusted and ended up registering my car in November of 2021 and up to that date I had never received the correct forms. Like I said it has been a year and Ally still refuses to do anything to help me get my money back. If it's not resolved within a month I guess the only thing I have left to do is take them to small claims court.
If I could give them a zero rating or below that is what I would give them

Very bad experience. I did a voluntary surrendering of a dump truck.
Got a letter from ally saying that I was able to pay what I owe UpTo the 25th of April got the money up about the 19th. Then they said they sold it on the 15. Ooops. Now it's been a month as a small business I've had people coming to my home for their money for work that needs to completeed. Ally has given us the run around. Now they said they lost the title and I can't register the vehicle until probably 5-6 weeks. Terrible customer service and response. It's like no one knows what they are doing or not on the same page.

Judith Cotto

September 2, 2015Dear [redacted] ***,Thank you for forwarding [redacted] ’s complaint regarding an extended hold placed on his deposit.We have thoroughly reviewed [redacted] ’s account and the hold which was placed on his eCheck deposit of $on August 24, When we placed the extended hold of five business days, we emailed him on August 24, 2015, a funds availability noticeThe notice stated, “These funds are subject to an extended hold because your account has repeated overdrafts”On August 26, 2015, as a courtesy, we released the hold on [redacted] ’s deposit of $192.00.The extended hold applied is consistent with our Funds Availability Policy, located in Section IV on page 28, of the Ally Bank Deposit Agreement dated December 7, It is also consistent with Federal Reserve Regulation CC, Section § 229.13(d), regarding repeated overdrafts:An account may be considered repeatedly overdrawn and items may be held if on six or more banking days during the previous six months the account had a negative balance, or would have had a negative balance had checks and charges been paid.We have reviewed our processes and the extended hold applied to [redacted] ’s deposit to verify Ally Bank’s compliance with Regulation CCAs a result of our research, we determined that Ally Bank is in compliance with Regulation CC regarding the placement of exception holds, particularly when executed for repeat overdrafts.Since July of 2015, there have been four (4) occurrences that included eleven (11) days where his account was overdrawn, or would have been overdrawn, if we had paid additional itemsIf his account has no further overdrafts, the extended hold for check deposits will expire on February 12, [redacted] may want to consider our Overdraft Transfer Service that we offer to our customersThe service links an Ally Money Market Account or AllyOnline Savings Account to an Ally Interest Checking account to transfer funds in increments of $throughout the day, if necessary, when there are not sufficient funds in the Interest Checking account to pay transactionsAdditional information can be found online at ally.com, by calling us at ###-###-####, and in our Deposit Agreement, dated December 7, 2013, on page 12.If you have any further questions, please feel free to contact the Executive Resolution Group, ###-###-####, Monday through Friday, 8:a.mto 8:p.mEastern Time and Saturday, 8:a.mto 5:p.mEastern Time.Sincerely,Michelle SExecutive Resolution Specialist

We are in receipt of your correspondence file # [redacted] dated August 10, 2017, regarding the above referenced individual and/or account and welcome the opportunity to respond to the stated concerns On August 17, 2017, a detailed response has been emailed and mailed to the above referenced individual Due to privacy concerns, we are unable to provide you with any additional details in this matter We thank you for taking the time and effort to bring this issue to our attention If we can be of further assistance, please contact us at the Executive Resolution Group, ###-###-####, Monday through Friday, 8:a.mto 8:p.mEastern Time and Saturday, 8:a.mto 5:p.mEastern Time

We are in receipt of your correspondence case # [redacted] dated November 16, 2016, regarding the above referenced individual and/or account and welcome the opportunity to respond to the stated concerns On November 23, 2016, a detailed response has been emailed and mailed to the above referenced individual Due to privacy concerns, we are unable to provide you with any additional details in this matter We thank you for taking the time and effort to bring this issue to our attention If we can be of further assistance, please contact us at the Executive Resolution Group, ###-###-####, Monday through Friday, 8:a.mto 8:p.m Eastern Time and Saturday, 8:a.mto 5:p.mEastern Time

We are in receipt of your correspondence case # [redacted] dated January 29, 2018, regarding the above referenced individual and/or accountAfter carefully reviewing the latest communication, Ally Bank believes that we appropriately and completely responded to the substance of it in our letters dated January and 19, 2018, which were sent directly to the above referenced individualAccordingly, we closed our file on this matter on January 25, Due to privacy concerns, we are unable to provide you with any additional details in this matterIf we can be of further assistance, please contact us at Executive Customer Relations, [redacted] , Monday through Friday, 8: a.mto 8:p.mEastern Time, and Saturday, 8:a.mto 5:p.mEastern Time

November 12, 2015Dear [redacted] ***,Thank you for forwarding [redacted] ***’s complaint regarding the handling of his eCheck deposit and the availability of his funds.We are sympathetic to his experience and understand his concernsHis experience is not typical of Ally Bank’s level of customer service and does not meet the superior customer service we strive to achieve.On September 24, 2015, an item in the amount of $49.00, payable to [redacted] , was presented for payment; however, [redacted] ***’s account did not have sufficient available funds to pay the itemAs a courtesy, we paid the item which overdrew the account and a $Overdraft Item fee was chargedThat same day an eCheck deposit was received in the amount of $and the total transactions that day left [redacted] with a negative balance of $10.96.On September 28, 2015, we refunded the Overdraft Item fee which returned [redacted] ***’s account to a positive balance [redacted] ***’s account had been overdrawn a total of eight banking days in the past six months, since his account was overdrawn from August 1, to August 5, and then from September 24, to September 28, Based on this occurrence, [redacted] ***’s account became subject to an extended hold.The extended hold applied is consistent with our Funds Availability Policy, located in Section IV on page 28, of the Ally Bank Deposit Agreement dated December 7, It is also consistent with Federal Reserve Regulation CCUnder Section § 229.13(d) of Regulation CC, regarding repeated overdrafts, an account may be considered repeatedly overdrawn and items may be held if on six or more banking days during the preceding six months the account had a negative balance, or would have had a negative balance had checks and other charges been paid.On October 30, 2015, we received an eCheck deposit in the amount of $which was subject to the extended holdOn October 31, 2015, we sent [redacted] a funds availability notice that informed him the funds would be available on November 6, 2015.After multiple calls with our Contact Center, [redacted] ***’s complaint was escalated to our Executive Resolution Department for reviewBased on our investigation, we were able to confirm that [redacted] may have had log in issues as our website experienced intermittent outages during the week of his deposit attemptWe also confirmed that [redacted] received misinformation about our eCheck Deposit cutoff timeEffective September 15, 2015, we have extended the cutoff timeframe from 4:p.mET to 7:p.mETAs a result of our review, we have refunded [redacted] ***’s two Overdraft Item fees, totaling $50.00, and removed his account from the extended hold status.On November 9, 2015, an Executive Resolution Specialist spoke with [redacted] regarding the details of our investigation [redacted] was appreciative of our resolution and has been provided with our telephone number for future reference.We value [redacted] ***’s relationship and thank him for bringing this to our attentionHis experience is not typical of Ally Bank’s level of customer service and does not meet the superior customer service we strive to achieve [redacted] ***’s experience has been brought to the attention of our management team, who will use the information to improve customer service and efficiencyThe associates involved with this matter have been provided additional coaching.If you have any further questions or need assistance in the future, please feel free to contact the Executive Resolution Group, ###-###-####, Monday through Friday, 8:a.mto 8:p.mEastern Time and Saturday, 8:a.mto 5:p.mEastern Time.Sincerely,Michelle SExecutive Resolution Specialist

[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted] ***

May 21, 2015Dear [redacted] ***, Thank you for forwarding on May 13, 2015, [redacted] ’s complaint regarding how we process credit and debit transactionsWe are sympathetic to his experience and understand his concernBy opening and maintaining his account at Ally Bank, [redacted] agreed to the terms of the Ally Bank Deposit Agreement, effective December 7, One of the provisions of the Deposit Agreement (at the bottom of page 11) states the agreement between Ally Bank and [redacted] as to the manner in which Ally Bank will post transactions to his accountIn essence, Ally Bank posts transactions in the order in which they are received by Ally BankIn the case of [redacted] , the order in which the transactions were received and posted to his account correctly resulted in the imposition of the overdraft feeThe applicable provision of the Deposit Agreement states: We will generally post deposits and pay checks, post withdrawals and post other debit transactions to your account in the order in which we receive themHowever, we reserve the right to post deposits and pay checks and other withdrawals you make from your account regardless of the method of withdrawal in any order we determineThis includes withdrawals made at an ATM or by computer, point-of-sale (POS) transactions, checks, pre-authorized payments and any other means we make available to youThe order in which you make transactions from your account may not be the same as the order in which we post those transactions to your account each business dayThe order in which we post your transactions may affect whether you incur fees for insufficient or unavailable fundsWe reserve the right to change our order of posting from time to time.We have thoroughly reviewed the facts and circumstances regarding the handling of [redacted] ’s account and have found that the posting of the transactions in question were posted in the order in which the transactions were received• On April 6, 2015, [redacted] ’s beginning balance was $An Automated Clearing House (“ACH”) debit in the amount of $posted to his account which resulted in his account having a negative balance of $Based on the negative balance, Ally Bank charged him a $overdraft feeLater that same day, a direct deposit for $was received and posted to his account which left the account with a positive balance of $Four (4) other debits then posted to his account which left the balance at the end of the day at a positive $• On May 11, 2015, [redacted] ’s beginning balance was $The first transaction received was an ACH debit in the amount of $which was posted to his account which left his account negative $No overdraft fee was charged because the overdraft was only $Ally Bank later that day received a direct deposit of $which it posted to his account, leaving the account with a positive balance of $Two (2) other debits then posted to his account which left the balance at the end of the day at a positive $We offer an Overdraft Transfer ServiceThe service links an Ally Money Market Account or Ally Online Savings Account to an Ally Interest Checking account to transfer funds in increments of $throughout the day, if necessary, when there are not sufficient funds in the Interest Checking account to pay transactionsAdditional information can be found online at ally.com, by calling us at ###-###-####, and in our Deposit Agreement dated December 7, 2013, on page If you have any further questions, please feel free to contact me directly at the Executive Resolution Department, ###-###-####, Monday through Friday, 8:a.mto 4:p.mEastern Standard TimeSincerely, Michelle SExecutive Resolution Specialist

August 13, 2014Dear [redacted] ***:Thank you for forwarding [redacted] ’s response dated August 4, 2014, to our attention.After carefully reviewing the latest communication, Ally Bank believes that it appropriately and completely responded to the substance of her complaint in our letters dated July 3, 2014, July 16, and July 30, Accordingly, no supplemental response is warranted and we are closing our file on this matter.If you have any further questions, please feel free to contact me directly at the Executive Resolution Department, ###-###-####, Monday through Friday, 8:am to 4:pm Eastern Standard Time.Sincerely,Michelle S [redacted] Executive Resolution Specialist

November 11, 2015Dear [redacted] ***, Thank you for forwarding [redacted] ’s complaint regarding our bill pay serviceWe sincerely apologize that [redacted] ’s customer experience has not been at the level Ally Bank strives to achieve and maintainOur Bill Pay technical team did not provide a timely response to his issuesA new bill pay system was implemented on November 7, One of the enhancements has to do with our eBill serviceInstead of our customers having to provide a user ID and password, the bill pay vendor will work directly with the biller, if eBill is available, to receive a Portable Document Format (“PDF”) which will be displayed to our customersFor our customers who have eBills in our current Bill Pay, their payees will convert to our new system, but those customers, including [redacted] , will need to set up eBills againThe process is simple, and we sent [redacted] an email notification on November 9, 2015, that he can log in to set them up in the new systemWe value [redacted] ’s relationship and sincerely hope that we will be able to continue and enhance our banking relationshipWe thank him for bringing this to our attentionWe found no violation with our Deposit Agreement effective December 7, 2013, or with our Online Banking Services AgreementThe results of our review have been forwarded to Ally Bank’s management team.If you have any further questions, please feel free to contact the Executive Resolution Group, [redacted] , Monday through Friday, 8:a.mto 8:p.mEastern Time and Saturday, 8:a.mto 5:p.mEastern TimeSincerely, Michelle SExecutive Resolution Specialist

We are in receipt of your correspondence file # [redacted] dated February 2, 2018, regarding the above referenced individual and/or account and welcome the opportunity to respond to the stated concerns On February 15, 2018, a detailed response has been emailed and mailed to the above referenced individual Due to privacy concerns, we are unable to provide you with any additional details in this matter We thank you for taking the time and effort to bring this issue to our attention If we can be of further assistance, please contact us at the Executive Customer Relations, ###-###-####, Monday through Friday, 8:a.mto 8: p.mEastern Time and Saturday, 8:a.mto 5:p.mEastern Time

August 15, Dear [redacted] ***:Thank you for forwarding [redacted] ’s complaint regarding his account[redacted] ’s internal account transfer was processed before funds were available from his depositAs a courtesy, on August 7, 2014, we reversed the $overdraft fee that he was chargedInformation regarding the processing and posting of items to accounts is available in our Deposit Agreement dated December 7, 2013, in Section 12, page 11, which states, “We will generally post deposits and pay checks, post withdrawals and post other debit transactions to your account in the order in which we receive them...”.We have thoroughly reviewed the facts and circumstances surrounding the complaint filed by [redacted] .• On Thursday, July 31, 2014, [redacted] scheduled a transfer to occur on Monday, August 4, 2014, for $from his Ally Interest Checking account to his Ally Money Market account.• On Friday, August 1, 2014, [redacted] made two deposits, each for $884.60, to his Interest Checking accountWe informed [redacted] that $from each deposit would be available the next business day and $would be available in two business days.• On Monday, August 4, 2014, the transfer of $from his Ally Interest Checking account to his Ally Money Market Account was completed and he was charged $overdraft feeSubsequently, the $from each deposit was made available.• On Tuesday, August 5, 2014, the remainder of the funds from the two deposits were made available.• On Thursday, August 7, 2014, we reversed the $overdraft fee.We do offer an Overdraft Transfer ServiceThe service links an Ally Money Market Account or Ally Online Savings Account to an Ally Interest Checking account to transfer funds in increments of $throughout the day if necessary when there are not sufficient funds in the Interest Checking account to pay transactionsAdditional information can be found online at ally.com, by calling us at ###-###-####, and in our Deposit Agreement, dated December 7, 2013, on page 12.If you have any further questions, please feel free to contact me directly at the Executive Resolution Department, ###-###-####, Monday through Friday, 8:am to 4:pm Eastern Standard Time.Sincerely,Michelle S [redacted] Executive Resolution Specialist

October 17, 2014Dear [redacted] ***,Thank you for forwarding [redacted] ’s complaint regarding the early expiration of his debit card.We sincerely apologize to [redacted] for our error regarding the expiration date on his debit card and the handling of his situationWe express shipped a new debit card to [redacted] at no charge and on October 8, 2014, [redacted] activated his new cardWe have corrected the error in our system and his new card and our records match with the expiration date of October 2016.On October 16, 2014, a separate letter was sent to [redacted] acknowledging our mistake [redacted] can provide this letter to anyone who was affected by our error.Again, we sincerely apologize for our error and the inconvenience we have caused [redacted] We thank him for bringing this to our attentionHis experience is not typical of Ally Bank’s level of customer service and does not meet the superior customer service we strive to achieve [redacted] ’s experience has been brought to the attention of our management team, who will use the information to improve customer service and efficiency.If you have any further questions or need assistance with your future transactions, please feel free to contact me at the Executive Resolution Department, ###-###-####, Monday through Friday 8:am to 4:pm Eastern Time.Sincerely,Michelle S Executive Resolution Specialist

We want you to know that we take very seriously [redacted] ***'s concernsWe have reviewed and addressed her concerns referenced in her complaintPlease refer to the attached for our responseIf you have any further questions, please feel free to contact me directlySincerely, Michelle S*** Executive Resolution Specialist Ally Bank

[redacted] TThis is a jokeThey send the same stuffThe *** has never received a checkThe *** doesn't accept checks from banks returning [redacted] We will be contacting our lawyers and the *** to issue FULL [redacted] This is ridiculous [redacted] I am rejecting this response because: [redacted]

I would not ever recommend that anyone uses Ally BankI had an issue where they deposited my own funds into their own account which they call a "Suspense" account until they contact youThe problem? They never contacted meMy Ally account had been shut down and they managed to give themselves the fundsThe whole time on the phone they said they were not attempting to steal from meAll I can say is they may not have been attempting to steal from me because they succeeded in stealing from me

We are in receipt of your correspondence file # [redacted] dated June 20, 2017, regarding the above referenced individual and/or account and welcome the opportunity to respond to the stated concerns On June 2017, a detailed response has been emailed and mailed to the above referenced individual Due to privacy concerns, we are unable to provide you with any additional details in this matter We thank you for taking the time and effort to bring this issue to our attention If we can be of further assistance, please contact us at the Executive Resolution Group, ###-###-####, Monday through Friday, 8:a.mto 8:p.mEastern Time and Saturday, 8:a.mto 5:p.mEastern Time

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved] Complaint: [redacted] I am rejecting this response because: ALLY have provided a litany of excuses that do NOT in any way account for their CRUCIAL MISINFORMATION via phone that led to the shutting down of the accountI had explained to them over a series of conversations that I was in the process of moving during that time Prior to their letters they had always contacted me via email or telephone so I had no reason, AFTER THEY HAD TOLD ME THAT THERE WAS NO PROBLEM WITH THE ACCOUNT AND THAT SMALL FEES WOULD BE CHARGED UNTIL I PUT MONEY IN - to believe that there would be anything amiss - and hence have to get someone to my address in Nevada to check mail that was important enough for ALLY to call or email me, as per usualLYING and CRUCIAL MISINFORMATION is not something any business - let alone ALLY - can get away with Their resolution is far from acceptable If they could not re-open an account THAT SHOULD NEVER HAVE BEEN CLOSED, then they should have opened another account When I opened my account with ALLY they did not require any information additional to the online formAFTER THEIR MISINFORMING ME they should have allowed me to re-open an account with the same informationHOWEVER - instead of providing decent service in a decent manner suiting an apology and an error of service, they are punishing their client FOR THEIR OWN FAULT by making requests for information it would be problematic until I decide what address I am settling into in Los Angeles, to supplyThey had requested a Driver's License with my new address on it I am not going to spend hours in the DMV getting a new Driver's License that has a temporary rental property's address on it My address is currently my family home, which is consistent Additionally, they are expecting my name on a Utility bill I am currently residing with a friend, whose name is on the lease, and subsequently on the Utilities there as he is the long-term resident of that address ALLY is very good at apologizing, and justifying their appalling customer service, and extremely lacking in the kind of actions that would rectify as situation that they themselves have createdThis is unacceptable and I will be continuing to give them the terrible customer reviews online that they deserve until they rectify this situation easily and promptly Regards, [redacted]

We are in receipt of your correspondence case # [redacted] dated December 14, 2016, and # [redacted] dated January 4, regarding the above referenced individual and/or account and welcome the opportunity to respond to the stated concerns On December 22, 2016, a detailed response has been emailed and mailed to the above referenced individual Due to privacy concerns, we are unable to provide you with any additional details in this matter We thank you for taking the time and effort to bring this issue to our attention If we can be of further assistance, please contact us at the Executive Resolution Group, ###-###-####, Monday through Friday, 8:a.mto 8:p.mEastern Time and Saturday, 8: a.mto 5:p.mEastern Time